Cheapest Auto Insurance in Helena, Montana (2026)
Helena drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $47 per month.
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Written byKim Porter
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Kim PorterInsurance Writer
Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
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Edited byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Helena’s car insurance rates average $126 per month, less than the state and national averages of $91 and $136, respectively. These lower rates can be partly explained by Helena’s relatively low population density and less congested roads.[1] But a few factors keep average auto insurance costs in Helena from dropping further.
For example, Montana's capital city welcomes more than a quarter-million visitors each year, thanks to its proximity to numerous national parks.[2] [3] Additionally, snow and ice present dangerous driving conditions for Montana drivers during the winter.
So, when you’re buying car insurance, it’s important to compare quotes from multiple insurers. Here’s what you should know about finding cheap car insurance in Helena.
Quick Facts
Safeco, Bristol West, and The General are some of the cheapest car insurance companies in Helena.
USAA is the best insurer in Helena for active-duty military members and veterans.
Montana is an at-fault state, which means the driver who causes a crash is responsible for paying the other driver’s repair bills and medical expenses.
3 of the cheapest car insurance companies in Helena
The cheapest car insurance companies in Helena may offer discounts or incentive savings that could influence rates, making one insurer’s premium less expensive than another. The best auto insurance company for you will depend on your financial situation and insurance needs, so it’s important to shop around and compare quotes.
The following companies offer the best rates:
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $95 | $40 | Affordability |
| USAA | 9.1 | $103 | $43 | Military members and their families |
| Safeco | 8.1 | $97 | $43 | Safe drivers |
Disclaimer: Table data sourced from real-time Helena car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Helena may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $32/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
4.0
Best choice in Helena, MTBased on 15,788 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Helena for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Helena for
Customer service
Competitive rates
Discounts for safe drivers
Showing 8 Montana reviews for Helena drivers - See all 7,176 State Farm reviews
Stacy
Verified Review
Customer service is good, but overpriced
Reviewed in Montana on February 28, 2026
I appreciate the customer service, but I feel they are overpriced. I have been comparing with other companies, and SF is twice what others have quoted me.
Karen
Verified Review
State Farm - Is It Worth the Money?
Reviewed in Montana on October 20, 2025
State Farm charges very high rates. The agent never contacts you to discuss the policy; you have to call them. The agent has only talked to us in person once when he signed us up for insurance. Double-check charges. First, we're told a policy is canceled, and then it's back on again. Also, vehicles were put down as work vehicles that weren't because it is a dually, and you don't use a dually for personal use.
We asked that it not be listed as work as we have a work vehicle, and it has taken them a couple of months to send it through processing. Still don't know if it is listed as personal or work because nobody calls to tell us. Make sure you get a company that communicates effectively.
Also, if State Farm can spend millions of dollars on a 15-second commercial for the Super Bowl, why can't they drop rates? This is not fair. If they are in the blue, why not pass it on to the customer? We are the ones that put the money in there.
Connie
Verified Review
Excellence
Reviewed in Montana on May 6, 2025
Great! Once I had a claim, they took care of it right away.
Tim
Verified Review
No, I don't recommend them because they raised my insurance by $44 just because I drive a Ford 250. They claim that big trucks like mine cause more damage to smaller cars and result in more injuries. Well, perhaps people should drive bigger cars.
Reviewed in Montana on April 21, 2025
No, I don't recommend them because they raised my insurance by $44 just because I drive a Ford 250. They claim that big trucks like mine cause more damage to smaller cars and result in more injuries. Well, perhaps people should drive bigger cars.
Bryan
Verified Review
+1 for State Farm
Reviewed in Montana on April 6, 2025
We switched from Progressive and Swiftwater to State Farm, and it's been a fantastic overall experience. We've since added our first teen driver and experienced my first collision and claims process. Everything was easy and successful.
Troy
Verified Review
Unjustified Increases
Reviewed in Montana on March 24, 2025
I don't appreciate the continuous increases without any reason or explanation.
Connie
Verified Review
I didn't want to shop around. I wanted someone close by whom I could visit at the office
Reviewed in Montana on March 21, 2025
They cancelled my policy without reason. Then, I learned they had cancelled a few others in my neighborhood as well.
Anthony
Verified Review
Looking for Lower Rates
Reviewed in Montana on March 16, 2025
I feel they are really overpriced! I am 85 years old and have not had an accident or claims in years. My wife, who is 84, does not drive anymore. We seldom take long drives and I pay $294.00 per month. It seems kind of high!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm started in 1922 and now sells auto insurance in every U.S. state except Rhode Island and Massachusetts. The company offers some of the lowest auto insurance rates in Helena but also has a robust menu of discounts and customization options to help you save further. You even have the option of adding rideshare coverage to your policy.
Pros
Strong customer service ratings
Low premiums
Cons
Accident forgiveness not available
Diminishing deductible not available
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $34/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $71/mo |
4.9
Best choice in Helena, MTBased on 3,128 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Helena for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Helena for
Members of the military community
Outstanding customer service
Competitive rates
Showing recent national reviews - See all 1,477 USAA reviews
Betsy
Verified Review
Positive!
Reviewed in Oregon on March 4, 2026
I sent a friend to them who had trouble with other companies. She was very grateful when they insured her right away! They've been awesome in the past with claims, responding immediately and without a lot of questions.
Renae
Verified Review
Excellent
Reviewed in Arkansas on March 3, 2026
Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.
Michael
Verified Review
USAA
Reviewed in Tennessee on March 2, 2026
Good coverage at a great price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The United Services Automobile Association (USAA) debuted in 1922 and now offers insurance and banking products to current military members, former members, and their families.
USAA’s car insurance customers pay low rates in Helena and have access to a number of discounts to boost their savings further. The company has the highest rating of all insurers in every region in J.D. Power’s 2023 Customer Satisfaction Study.[4]
Pros
Excellent customer service
Accident forgiveness available
Cons
Limited to service members, veterans, and their immediate family members
No 24/7 customer phone support
Best insurer for safe drivers: Safeco
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.3
Best choice in Helena, MTBased on 1,010 verified driver reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best in Helena for
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best in Helena for
Cash back for being claims free
Optional coverages
Diminishing deductible
Showing recent national reviews - See all 535 Safeco reviews
Sharon
Verified Review
Safeco Insurance
Reviewed in Georgia on March 4, 2026
I would like a lower cost. I only need a tag for liability.
Sharlene
Verified Review
Hundred Dollar Charge 6 Months Later
Reviewed in Kansas on March 2, 2026
I was happy with the coverage when I started. Then, 6 months later, I was charged $100 for ??? Automatic withdrawal was set up, and I was told my policy and rate would not change. Looking for new insurance as I text.
Paul
Verified Review
Expensive Insurance
Reviewed in New York on February 21, 2026
Safeco is a good company, but the insurance rates keep going up.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco opened in 1923 and joined Liberty Mutual in 2008. It now sells car insurance, homeowners insurance, renters insurance, pet insurance, and other insurance products.
Several of the company’s discounts are geared toward customers with a good driving record. So, you may save money with options like accident forgiveness, a diminishing deductible, and a cash-back program for customers who remain claims-free for six months.
Pros
Pays cash back to customers who remain claims-free
Diminishing deductible and accident forgiveness available
Cons
Limited number of available discounts
Must buy a policy through an independent insurance agent
How to get the cheapest car insurance in Helena
You have several options for getting more affordable car insurance in Helena. Here are a few tips for saving money on your policy:
Bundle your policies. Many insurers give you a price break when you buy their car insurance policy along with another insurance product, like pet insurance, renters, or homeowners insurance.
Shop around for car insurance. Comparing multiple car insurance quotes is one of the best ways to ensure you’re getting the lowest premium. Because rates can change over time, comparing car insurance policies once a year is a good idea.
Check for discounts. Car insurance companies typically offer several ways to save. You may be able to lower your premium when customizing your coverage, going claims-free for a certain number of months, insuring multiple cars, maintaining good grades, and more.
Raise your collision or comprehensive deductible. The deductible is the amount of money you’re responsible for paying when filing a collision or comprehensive claim. Generally, a higher deductible can help lower your premiums. Consider raising your deductible if you’re a safe driver with no traffic accidents on your record.
Find Cheap Car Insurance in Helena, Montana
Liability rates start at $40 per month
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Cheapest liability-only car insurance in Helena
Liability car insurance is required for all cars registered in Helena. Liability insurance covers your legal and financial responsibilities if you cause a car accident, so it pays for any damage to the other person’s vehicle, along with their medical costs.
But liability insurance won’t cover your property damage or injury costs, and could leave you financially vulnerable to substantial loss in an at-fault accident. Because it only comes with minimum coverage, liability-only insurance is the cheapest type of car insurance policy you can get.
The table below shows which car insurance companies in Helena have the most affordable liability-only insurance quotes.
The below rates in Helena, MT, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| USAA | $34 |
| Root | $56 |
| Direct Auto | $58 |
| Farmers | $58 |
| GEICO | $61 |
| Safeco | $63 |
| Allstate | $64 |
| Bristol West | $76 |
| The General | $82 |
Disclaimer: Table data sourced from real-time Helena car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Helena may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Helena
Insurance companies may define their full-coverage car insurance policies differently, but they always start with state-required liability insurance coverage. It also usually includes collision insurance, which pays for any damage to your vehicle after an accident, and comprehensive coverage, which pays for non-collision incidents such as theft.
Full coverage is optional for most drivers, but your lender may require it if you lease or finance your car. The below companies have the cheapest average car insurance rates for full coverage in Helena.
The below rates in Helena, MT, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $65 |
| USAA | $71 |
| Direct Auto | $98 |
| Farmers | $120 |
| Root | $122 |
| GEICO | $124 |
| Safeco | $130 |
| Allstate | $131 |
| The General | $168 |
| Bristol West | $199 |
Disclaimer: Table data sourced from real-time Helena car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Helena may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Helena, Montana
Recent Helena, Montana car insurance prices for Toyota, Ford, KIA , and more.
*Quotes generated for Insurify users in and around Helena, Montana within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Helena, Montana within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Montana
Car insurance is legally required in Montana, where vehicle owners must carry a minimum amount of bodily injury and property damage liability insurance. The state is a tort state, which means the at-fault driver in a crash is responsible for paying the other driver’s repair bills and medical expenses.[5]
Here are the minimum required coverage limits you’ll need:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
In addition to these coverages, most insurance companies also sell endorsements that can fill gaps in your basic policy. Here are some of the coverage options you might want to get:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for car repairs and medical bills if someone causes an accident and lacks car insurance or you’re the victim of a hit-and-run accident. Montana requires car insurance companies to offer uninsured motorist coverage, but you can decline it by signing a waiver.
Gap insurance
If your car is totaled in an accident, gap insurance pays the difference between the car’s diminished value and what you owe on your car loan or lease.
Roadside assistance
Roadside assistance pays for services when you’re stranded on the roadside. Services may include flat tire changes, fuel delivery, towing, and more.
Accident forgiveness
If your insurance company offers accident forgiveness, it waives your first accident. This helps you save money because the accident won’t affect your premium.
Cheapest car insurance for drivers with an incident
Having an incident on your driving record, like a speeding ticket or an at-fault accident, can increase your rates for several years. Some insurance companies may decide not to renew your policy, or could even cancel it mid-term, if your record includes several incidents or driving under the influence (DUI) violation. The exact rate increase depends on several factors, like your insurance company’s policies and the specific violation.
These incidents may increase your car insurance rates for several years because you either drove in an irresponsible way that increases your likelihood of an accident or you were in an incident that caused your insurer to pay for a claim.
You may also need to file an SR-22 certificate that states you have a car insurance policy. Having an SR-22 on file can increase your rates.
The below rates in Helena, MT, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $32 | $40 | $42 | $46 |
| USAA | $34 | $43 | $45 | $49 |
| Root | $56 | $73 | $74 | $81 |
| Direct Auto | $58 | $71 | $79 | $83 |
| Farmers | $58 | $73 | $77 | $83 |
| GEICO | $61 | $78 | $79 | $87 |
| Safeco | $63 | $82 | $88 | $97 |
| Allstate | $64 | $82 | $85 | $92 |
| Bristol West | $76 | $94 | $100 | $109 |
| The General | $82 | $108 | $112 | $118 |
Disclaimer: Table data sourced from real-time Helena car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Helena may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age also influences car insurance rates because it signals your driving experience and accident risk. Younger drivers pay the most for car insurance because they have limited experience and a much higher accident rate compared to older, more experienced drivers.
Rates start to drop when drivers reach their 20s and 30s because they’ve built up several years of experience and are less likely to take risks. Then, rates continue to steadily decline until around age 70, when rates may increase slightly due to a higher risk of accidents.
Below you can find the cheapest liability-only quotes offered for Helena teen and senior drivers:
The below rates in Helena, MT, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Teen Drivers | Senior Drivers |
|---|---|---|
| State Farm | $60 | $27 |
| USAA | $61 | $30 |
| Root | $94 | $50 |
| GEICO | $106 | $52 |
| Direct Auto | $109 | $50 |
| Farmers | $112 | $50 |
| Allstate | $123 | $56 |
| Safeco | $124 | $59 |
| Bristol West | $132 | $68 |
| The General | $139 | $74 |
Disclaimer: Table data sourced from real-time Helena car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Helena may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Helena, MT
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Helena car insurance quotes by credit tier
Montana allows insurers to use your credit history to determine your risk level. So if you have poor credit scores or you’ve filed for bankruptcy in the past, you may pay higher rates. The opposite is true, too. Customers with excellent or good credit scores typically pay less for car insurance because they pose less of a risk to the insurance company.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Helena car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Helena.
How much is car insurance in Helena?
The average cost of car insurance in Helena is $122 per month. Helena drivers pay $98 per month for liability coverage and $117 for full-coverage car insurance, on average. Your exact auto insurance premium depends on your driving record, age, credit history, and other rating factors.
Which company has the cheapest car insurance in Helena?
State Farm offers the cheapest liability car insurance in Helena, at $40 per month. USAA is the second-cheapest insurer in the city, with a rate of $43. The third-cheapest insurer, Safeco, has a liability-only rate of $45 per month.
Comparing quotes from multiple car insurance companies is the best way to find the cheapest car insurance for your needs.
What are the best car insurance companies in Helena?
State Farm is the best car insurance company in Helena, with an Insurify Quality (IQ) Score of 9.3 out of 10, an AM Best financial strength rating of A++ (Superior), the highest level possible, and high customer satisfaction ratings. Other top insurers include USAA and Safeco.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Free Car Insurance Quotes Online - Compare Rates & Save
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Sources
- Census.gov. "U.S. Census Bureau QuickFacts: Helena city, Montana."
- Montana Fish, Wildlife &Parks. "2021 Montana State Parks Annual Visitation Report."
- Montana Department of Transportation. "Custer Avenue Improvements - Quarterly Update: Helena Research."
- Jdpower.com. "2023 U.S. Auto Insurance Study."
- Office of the Montana State Auditor. "Auto Insurance."
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Kim PorterInsurance Writer
Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
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A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.